Save Money on Mercury Mariner Insurance in Omaha

To save the most money, the best way to get affordable Mercury Mariner insurance is to do a yearly price comparison from insurers who provide car insurance in Omaha.

1. Try to learn about how insurance companies determine prices and the things you can control to prevent expensive coverage. Many factors that are responsible for high rates such as your driving record and a substandard credit score can be remedied by making small lifestyle or driving habit changes. Keep reading for additional ideas to get cheaper rates and find additional discounts you may qualify for.
2. Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agencies can provide rate quotes from multiple sources.
3. Compare the new rate quotes to your existing policy and determine if cheaper Mariner coverage is available in Omaha. If you find better rates, make sure there is no lapse in coverage.
4. Tell your current company of your decision to cancel your current policy and submit a down payment along with a completed application to the new company. As soon as you can, place the new certificate verifying coverage in an easily accessible location in your vehicle.

One piece of advice is to try to compare identical limits and deductibles on each quote request and and to get rates from as many carriers as you can. This enables a fair rate comparison and the best price selection.

It’s an obvious assumption that insurance companies don’t want you shop around. People who shop around are highly likely to move their business because of the good chance of finding a more affordable policy premium. A study discovered that people who routinely compared rates saved over $72 a month compared to other drivers who never compared rates.

If finding the best rates on Mercury Mariner insurance is why you’re reading this, then learning about how to choose a company and compare auto insurance can help simplify the process.

Free Omaha Mercury Mariner insurance price quotes

The companies shown below can provide price comparisons in Omaha, NE. If you want to find cheap car insurance in NE, it’s highly recommended you visit several of them to get the best price comparison.

Do you qualify for discounts on Mercury Mariner insurance in Omaha?

Not too many consumers would say car insurance is affordable, but you might already qualify for some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specifically requested prior to getting the savings.

• Drive Less and Save – Low mileage vehicles may enable drivers to earn substantially lower car insurance rates.
• Discount for New Cars – Buying a new car instead of a used Mariner can get you a discount since new model year vehicles have better safety ratings.
• Omaha Homeowners Discount – Just owning your own home may earn you a small savings because it is proof of financial responsibility.
• Air Bags and Passive Restraints – Factory air bags or motorized seat belts could see savings as much as 30%.
• Payment Method – By paying your policy upfront as opposed to paying monthly you can actually save on your bill.
• Defensive Driver Discount – Taking a driver safety course can save you 5% or more if you qualify.
• Professional Memberships – Having an affiliation with a civic or occupational organization in Omaha is a simple method to lower premiums when shopping for car insurance.
• Save over 55 – Seniors may receive a discount up to 10%.
• Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. The good student discount can last up to age 25.
• Waiver for an Accident – This isn’t a discount exactly, but some companies like Liberty Mutual, Allstate and State Farm will forgive one accident before they charge you more for coverage if you have no claims for a set time period.

As a footnote on discounts, most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

The illustration below illustrates the difference between Mercury Mariner yearly insurance costs with and without policy discounts. The premium estimates are based on a male driver, no violations or claims, Nebraska state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, marriage, safe-driver, and multi-car discounts applied.

A partial list of companies that may offer policyholders these discounts include:

• State Farm
• Farmers Insurance
• Progressive
• GEICO
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

When getting free Omaha auto insurance quotes, it’s a good idea to all the companies to apply every possible discount. Some credits might not apply in your area.

Coverage analysis

The price information below highlights a range of prices for Mercury Mariner models. Having knowledge of how rates are formulated can be useful when making smart policy decisions.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can increase or decrease coverage prices significantly.

An analysis of deductible level

One of the most common auto insurance questions is which deductibles should you choose. The premium rates below may help to illustrate the price difference when you buy lower versus higher physical damage deductibles. The first price estimate table uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes noticeably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $31 more each month or $372 every year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 29 months between claim filings, you would save money if you choose the higher deductible. Below is a better example of how you can do this calculation yourself.

One important caveat is that a higher deductible level means you will have to cover more of the damage yourself when you have a claim. You need to have some money saved in the event you need to pay the deductible.

The chart below shows how choosing a deductible and can raise or lower Mercury Mariner insurance prices for different insured age categories. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Liability only or full coverage

The illustration below shows the difference between Mercury Mariner premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are applied.

Guidelines for eliminating full coverage

There is no definitive rule of when to eliminate physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Mercury Mariner book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after the policy deductible has been paid. If you are currently paying more than $800 annually for full coverage, then you may need to consider dropping full coverage.

There are a few cases where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Informed Drivers Can Reduce Insurance Rates

It’s important that you understand the factors that come into play when calculating the rates you pay for insurance. If you know what impacts premium levels, this allows you to make good choices that can help you get lower premium levels. Lots of things are used when you get a price on insurance. Some factors are common sense like an MVR report, but others are more transparent like your continuous coverage or how safe your car is.

The items below are some of the major factors utilized by car insurance companies to help set your rates.

• Claim-free discounts can add up – Car insurance companies in Nebraska give the lowest premiums to insureds who only file infrequent claims. If you’re an insured who likes to file claims you can look forward to increased rates or even have your policy non-renewed. Auto insurance is intended to be relied upon for the large, substantial claims.
• Cars with good safety ratings means cheaper prices – Vehicles with high crash test scores cost less to insure. Vehicles built for safety result in less severe injuries and reduced instances of injuries means lower claim amounts and more competitive rates for policyholders.

• Gender and insurance – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean females are better drivers. Males and females have fender benders in similar numbers, but guys have accidents that have higher claims. They also receive more costly citations like DUI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.

  The diagram below illustrates the comparison of Mercury Mariner insurance rates for male and female drivers. The premium estimates are based on no accidents, no driving violations, comp and collision included, $100 deductibles, single marital status, and no other discounts are factored in.

• You may save more by combining policies – The majority of insurance companies provide better rates to insureds who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare other Omaha Mariner insurance rates to help ensure you have the lowest rates.
• Low stress employer equals lower prices – Did you know your occupation can influence how much you pay for insurance? Jobs such as doctors, business owners, and medical professionals are shown to have the highest average rates due to high stress and lengthy work days. Other professions such as professors, engineers and performers have the lowest average rates.